BlastPoint's Banking Scorecard
Crystal Lake Bank and Trust Company, National Association
Community
Specialty: Commercial
IL
FDIC cert 34681
Crystal Lake, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
Crystal Lake Bank and Trust Company, National Association shows strong momentum with 1 strength and 17.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 29.97% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.1B
+17.0% YoY
+2.9% QoQ
|
+$684.9M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
81% |
| Total Loans ? |
$1.6B
+14.0% YoY
+1.5% QoQ
|
+$615.6M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
83% |
| Total Deposits ? |
$1.7B
+18.4% YoY
+3.0% QoQ
|
+$567.3M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
80% |
| Return on Assets ? |
1.70%
-3.3% YoY
-3.5% QoQ
|
+0.54% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
83% |
| Net Interest Margin ? |
3.60%
-4.1% YoY
-2.3% QoQ
|
-0.07% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
46% |
| Efficiency Ratio ? |
32.66%
-7.0% YoY
+0.3% QoQ
|
-29.97% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
0.60%
+17.5% YoY
+534.9% QoQ
|
-0.03% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
91.87%
-3.7% YoY
-1.4% QoQ
|
+8.81% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
16.93%
+0.5% YoY
-1.2% QoQ
|
-4.12% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
34% |
| Nonperforming Asset Ratio ? |
0.46%
+2.9% YoY
+350.9% QoQ
|
-0.04% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
41% |
| Tier 1 Capital Ratio ? |
11.50%
+4.0% YoY
+1.9% QoQ
|
+1.26% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
41% |
| Non-Interest Income / Assets ? |
0.27%
+8.8% YoY
+33.1% QoQ
|
-0.47% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
18% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 1%
in Community
Why this stands out
Current:
32.66%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Efficiency Ratio
Current: 32.66% · Tier avg: 62.63%
83
83th pctile
Return on Assets
Current: 1.70% · Tier avg: 1.16%
83
83th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M
81
81th pctile
Total Assets
Current: $2.1B · Tier avg: $1.4B
80
80th pctile
Total Deposits
Current: $1.7B · Tier avg: $1.2B
46
46th pctile
Net Interest Margin
Current: 3.60% · Tier avg: 3.66%
41
41th pctile
Tier 1 Capital Ratio
Current: 11.50% · Tier avg: 10.24%
41
41th pctile
Nonperforming Asset Ratio
Current: 0.46% · Tier avg: 0.50%
40
40th pctile
Delinquency Rate
Current: 0.60% · Tier avg: 0.63%
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 16.93% · Tier avg: 21.05%
31
31th pctile
Loan-to-Deposit Ratio
Current: 91.87% · Tier avg: 83.06%
18
18th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
Top Weaknesses
18
18th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
31
31th pctile
Loan-to-Deposit Ratio
Current: 91.87% · Tier avg: 83.06%
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 16.93% · Tier avg: 21.05%
40
40th pctile
Delinquency Rate
Current: 0.60% · Tier avg: 0.63%
41
41th pctile
Nonperforming Asset Ratio
Current: 0.46% · Tier avg: 0.50%
41
41th pctile
Tier 1 Capital Ratio
Current: 11.50% · Tier avg: 10.24%
46
46th pctile
Net Interest Margin
Current: 3.60% · Tier avg: 3.66%
80
80th pctile
Total Deposits
Current: $1.7B · Tier avg: $1.2B
81
81th pctile
Total Assets
Current: $2.1B · Tier avg: $1.4B
83
83th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M
83
83th pctile
Return on Assets
Current: 1.70% · Tier avg: 1.16%
99
99th pctile
Efficiency Ratio
Current: 32.66% · Tier avg: 62.63%